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The 'not living in it part' - does that mean if the off the plan building takes 1.5 years to build, you cannot live in your 'IP' till that date?

sumterrence, you are right on the mark. She is close to retirement age and once that happens, will lumpsum a large portion of the super into the property for that very reason. I am only contributing as due to age etc, she cannot get enough of a loan, or foot the the deposit in entirety now. So...

Yeah that's what I thought. Looks like I have no way around this.

Is the guarantor part dependent on the loan, or the contract/title of the property? Happy to leave it in her name alone. I will be living in it for the short term. I mean losing the opportunity of the grant by the above loan. The bulk of my deposit savings will be gone, thus the only 2...

Hi guys, I've read tons about this but still not sure about one fine detail - what is it, exactly, that makes you lose this grant? I am in a position where i need to help mum take out a loan to buy either persons first property. The loan will be under both our names. In doing this, have I...